Post-Pandemic Workforce Trends Could Lead to Liability

Getting people to return to the office, or work at all, has become a major headache for U.S. businesses. Strategies like offering remote work, hiring less qualified workers, and keeping older workers on staff carry liability risks you must consider. Remote work About 38% of employers required workers to come into the office full time […]

Common Exposures for HVAC Businesses

Most homes and businesses are outfitted with heating, ventilation and air conditioning (HVAC) systems—systems that require the care of specialized technicians for service. As an HVAC contractor, you are tasked with managing a variety of risks every time you perform maintenance or an installation on behalf of your clients. Just one incident involving the use […]

Common Exposures for Retail Operations

Owning and operating a retail store can be a fulfilling experience. Years of hard work, risk-taking and financial investments have allowed you to turn your dreams of opening a store of your own into a reality. However, many business owners don’t realize how many exposures they must address to keep their business operating smoothly. Depending […]

Common Exposures for Plumbing Contractors

Plumbing contractors provide much-needed services for both residential and commercial customers alike. However, plumbers have a number of unique risks to consider. In fact, any incident involving installing and repairing pipes or fixtures can lead to major property damage, as well as potential legal action. These challenges are magnified when you consider that risks related […]

Common Exposures for Hotels

Owning and operating a hotel can be a rewarding endeavor. However, hotel operators have to manage numerous exposures related to lodging, and many offer amenities—including pools, exercise facilities, bars and restaurants—that can dramatically increase the number of insurable risks. The list below provides an overview of these hotel risks and more, helping you identify potential […]

Direct and Indirect Workers’ Compensation Costs Explained

Workers’ compensation claims have a variety of different costs associated with them. Some of these costs are expected costs, while others are unexpected. Here’s the difference between these terms: According to the Occupational Safety and Health Administration (OSHA), both direct and indirect costs can have a substantial impact on employers and their bottom lines. As […]

Workers’ Compensation Insights – Employee Fraud

Workers’ compensation coverage is intended to help your organization cover expenses that may result from employees getting ill or injured on the job. Nevertheless, there is always a chance that one or more of your employees may attempt to take advantage of this coverage by committing fraud. An employee can participate in workers’ compensation fraud […]

The Importance of Reporting All Workers’ Compensation Claims

Employee injuries and illnesses are not always simple for employers to navigate—making the workers’ compensation claim process increasingly difficult. However, there are a number of measures that employers can take to reduce the cost and complexity of a claim. Specifically, when employers report claims in a timely fashion—whether to their respective state or workers’ compensation […]

Five Strategies for Reducing Workers’ Compensation Costs

When a company experiences significant increases in workers’ compensation costs, it usually triggers internal activities aimed at reducing insurance costs and spending. The key to spending fewer dollars is more than just stopping a few accidents; it is having a sound safety program designed to continuously improve. This is where a safety program that, at […]